Equipment & machinery
Tractors, harvesters and other gear can be bought outright, leased or financed. Our guides explain the trade-offs so you can compare options with confidence.
Services · New Zealand
Kinloch, Waikato · Whakaahua: Ingolfson, Public domain Pūtea
He pūtea e hāngai ana ki te pāmu.
How REALM helps
Understand your options for equipment, land and working capital, and connect with finance professionals who know agriculture.
Plain-English guides in the newsletter
Short explainers on equipment finance, leasing, land loans and working capital: what the terms mean and what lenders usually look for.
Introductions to finance partners
Tell us what you are trying to fund and we can put you in touch with finance professionals who understand farming. Any arrangement is between you and them.
Seasonal cash-flow tips
Practical ideas for planning around harvest, sale and input-cost cycles, so the lean months are easier to manage.
REALM does not provide credit or financial advice. Loan applications are made with and handled by Pay In Time Finance.
Talk to a real person
Call +61 419 182 804 or email [email protected].
Rāhina–Rāmere, 9am–5pm wā o te rāwhiti o Ahitereiria (11am–7pm te nuinga o te wā, wā o Aotearoa)
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realmgroupnewzealand.org/services/finance
Call +61 419 182 804 · [email protected]
Pūtea · Money on the farm
Farm income comes in seasons.
Milk payments, stock sales and the wool, grain or fruit harvest all arrive at different times of the southern year. Put numbers on yours before you sit down with a lender, then talk to our sister brand Pay In Time – Finance.
Our sister brand
Ready to apply? Pay In Time Finance
Pay In Time Finance is part of the REALM family. Apply online for equipment, machinery, land or working-capital finance, or tell their team what you need first.
You will leave the REALM website. Applications are assessed by Pay In Time Finance, not REALM.
What you can fund
Land & property
Buying, expanding or refinancing a farm is a long-term commitment. Learn the questions worth asking before you sit down with a lender.
Working capital
Farm income arrives in waves. Understand the ways to cover seed, fertiliser, fuel and wages between harvests without over-stretching.
Good to know
Common questions about finance
Quick answers from our FAQ. Still stuck? Ask the Chat Assistant or give us a call.
Do you offer finance?
Yes, through our sister brand Pay In Time Finance: you can apply online for equipment, machinery, land or working-capital finance on their website. We also share plain-English finance guides in the newsletter. REALM itself does not give credit or financial advice. Apply with Pay In Time Finance →
Is membership free?
Yes. Joining REALM is free. Members can read the Newsletter, join community groups and list items on the marketplace.
How do I contact REALM?
Call +61 419 182 804, email [email protected] or use the contact form. Contact us →
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